Contactless - Making low value transactions even simpler

Contactless is a new feature being introduced on payment cards to make low value purchases quicker and more convenient for both retailers and consumers. When making low value payments (currently £20 or less) - rather than inserting a card into the chip & PIN machine and typing in a PIN – those with a card featuring Contactless can simply hold it to the reader to pay.

Cards featuring Contactless will look much the same as a standard chip and PIN card, but will have been re-issued with a new design incorporating one or more contactless identifiers. The majority of cards issued in the UK and Ireland will feature the contactless indicator:

Where a transaction is for less than the Contactless transaction limit (currently £20), customers can be given the option of paying with a Contactless card. If the transaction amount is above the Contactless transaction limit (currently £20) then all customers should be asked to conduct a standard chip and PIN transaction.

As part of a routine verification check customers will occasionally be requested to insert the card and carry out a full chip and PIN transaction. The transaction should then be progressed by the retailer as a normal chip & PIN transaction (or using an alternative tender type if this is the customer preference). The customer should be advised that a routine Contactless security check is required; a full chip and PIN transaction will be required to allow continued use of the Contactless functionality on their card. Advise the customer that they should have no problem using Contactless when they next come to use their card.

Yes, subject to the terminal capabilities - this would need to be added before the card is presented, as the aggregate total would still be subject to maximum contactless transaction limit (currently £20).

Contactless cards issued by a non-UK or non-Irish bank can be used in Ireland and the UK wherever the Contactless acceptance mark (and relevant card scheme brand) is displayed within the retailer’s environment.

Contactless cards are secured by the same advanced technology that underpins chip and PIN. Although a Contactless transaction does not require a PIN to be entered, from time to time the terminal will ask that the cardholder undertake a full chip and PIN transaction. This is designed to deter fraudulent use should the card be lost or stolen; each time a PIN is used it re-affirms that the cardholder is in possession of their card.

The security built into the chip on a card means that any data intercepted would not work if someone tried to use it again. The card generates a unique cryptogram for each transaction (based on the secret cryptographic keys in the chip, the transaction counter and a random number produced by the terminal) that is used to validate the data.

Contactless Quick Troubleshooting Guide

If the reader does not respond to the card you should:

Check that the card is a Contactless payment card (check for logo and indicator);

Ensure the customer is holding their card close to the acceptance mark;

Ensure that the card is being presented to the reader correctly – if it is at an angle to the reader it may not work;

Check the reader is plugged in and functioning (if using a separate reader device)– remember to check for any metallic objects near the reader which may interfere with the signal;

Check the customer is presenting only one card to the reader. If a wallet is presented that contains multiple Contactless cards (whether Visa payWave, MasterCard® PayPass™, Oyster or any other card that uses contactless technology) an error will be detected and the reader will display ‘Please present one card only’.

If you are still unable to process the transaction then you should proceed with a standard card transaction or alternative payment

Ingenico Hardware Installation

Each piece of hardware will have a unique serial number which is loaded into the terminal and is also identified on a sticker on the terminal. The serial number for the iCT220 is located underneath the bottom panel on the rear of the terminal.

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Elavon Financial Services DAC, trading as Elavon Merchant Services, is authorised by Central Bank of Ireland and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from us on request.

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